Leasing your owner occupied or holiday home on a short-term lease, could have implications to your insurance cover.  If you permanently rent out your property on short-term leases (for example Air BNB), your Insurance cover may be compromised.


If your Home is not insured correctly and a Natural Disaster event occurs, you could miss out on EQC cover and any top-up Natural Disaster cover provided by your general insurer.

EQC have stipulations and guidelines regarding occupancy.   If your home does not provide long term residential occupancy ie long term tenants and is used regularly for short term rental, your House should be insured as a Commercial Building.  

There are other exclusions under a standard Home policy including:

  • Methamphetamine Contamination – this benefit can only be purchased under a tenanted property policy or Owner Occupied homes when the owner is away
  • Malicious Damage and/or Theft
  • Landlord’s furnishings
  • Statutory Liability



Introducing Rothbury Insurance Brokers

Rothbury Insurance Brokers has been helping protect Kiwis since 1950.

We’re a majority-owned New Zealand company with a local ownership model which means our clients receive personal service and quality advice from insurance experts who live and work in their local community.

We provide advice on domestic insurance solutions and help protect the personal assets of thousands of individuals around the country, from Whangarei all the way down to Invercargill. So if you’re feeling a bit overwhelmed by the complexity of your domestic insurance needs, I can help.

As your Domestic Broker I will work with you on understanding your specific insurance needs, tailoring your policy requirements to ensure you are getting the best value for money.

Our Claims Team also work locally, and together we’ll manage any claims you have to make. We’ll act as your advocate and work to get the very best outcome for you, keeping you up to date every step of the way.

I would love to talk to you I more detail about what we can offer.

To find out more contact:

Jan Graham
Rothbury Domestic Broker

Phone: DDI 03 470 3664




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